• Becoming a Mortgage Loan Officer in Florida: LoKation Mortgage and the UWM BrokerX Program

    Affiliating with LoKation® Real Estate in Florida was one of the first decisions I made as a newly licensed Real Estate agent in 2023. Earlier this year, they offered me and each of their agents the opportunity to expand our capabilities through the BrokerX program at United Wholesale Mortgage.

    Loan Officers are also called Mortgage Loan Originators. When a person wants to finance the purchase of a home or refinance their existing loans, a Loan Officer is usually the person they speak with to find out what financing options are available to them. Behind the scenes, these folks have matrices of lenders and loan requirements to help them find the right loan for the particulars of a borrower’s situation.

    Becoming a Mortgage Loan Officer (NMLS #2702533) was nothing short of a gamechanger for me and I encourage each of you looking to grow in this industry to consider what learning more about home financing can do for your Customers and your business.

    The steps to earning a Mortgage Loan Originator license are not many.

    But there is a good amount of learning that takes place along with a National examination. So one should be prepared to dedicate time each day for several weeks, or several months, to understanding Federal regulations, State regulations, loan terms and, of course, math. Once you’ve passed the national exam, your State may have additional requirements which you must satisfy prior to licensure. Background checks and a credit check are also required.

    When you go through UWM’s BrokerX program, you’ll have the opportunity to increase your understanding of the mortgage industry and the tools available to you as an independent Loan Originator when you visit UWM. I would jump on that opportunity as it will reinforce what you learned in your pre-licensure course and give you a behind-the-scenes look at home lending.

    If you are a real estate agent and you’re mortgage curious, reach out to me. I’m happy to help you grow!


  • Beginnings in Florida Real Estate

    ·

    Starting is often the most difficult.

    Many years ago, I began thinking about “doing” real estate. The reasons are myriad and varied and not written about here. It is not that they are a secret; they are likely common and easily guessed. But they are not covered in this missive moreso because each reason is itself a topic for a different conversation.

    I am talking here about beginnings and so, before I could start a career in real estate, I had to figure out the steps to become an agent here in the State of Florida.

    Then, when I was first licensed as a Florida Real Estate Associate, still in a stupor over passing the Florida Licensing Exam, the words, “now what…” raced through my head. The exam qualifies a person but nothing in the preparation for the exam gives even a hint of how to start in this huge industry. Another beginning was at hand.

    And now, as I am starting this real estate blog, I wonder, “where do I begin,” and, “what should I write?”

    Be True.

    Brenda Ueland was a writer, journalist and author of a book entitled, “If You Want to Write. A Book About Art, Independence and Spirit.” In it she warns about writing from “grim resolution,” motivated by a materialism that she saw take hold of many in the twentieth century (she was born in the last decade of the 1800’s and lived until 1985). Soulless work that lacked creativity would not do.

    Instead she strongly advocated working and writing from Truth:

    “…you should work from now on until you die, with real love and imagination and intelligence, at your writing or whatever work it is that you care about.”

    I can’t suppose what you, dear Reader, may want to know that could be contained on a page. I can only write and find those connections that resonate organically, naturally. It may at times seem like shouting into The Void, but I can not know unless I start.

    And with Ueland’s thought as a guiding principle, the foundation of my South Florida Real Estate work is laid. Let it be strong enough to support that which is built atop its mortar.